Invest with Insight: The 4P Framework to Evaluate Stocks and Funds

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Hey there, and welcome to Faith in Finance, where

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your values and your financial vision come together.

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I'm your host, Geil Thompson, Registered Rep

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for Joseph Eden Capital, a sister firm of Joseph

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Wealth Management. Every week, I'll be walking

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with you through the tools, truths, and strategies

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that help you build wealth with purpose, clarity,

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and peace. Because your money isn't just about

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what you have. It's about what you're building.

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Let's get started. Last week. We learned how

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to read what we see in the market, tickers, indexes,

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and trends. Today, we take it one step deeper,

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how to evaluate what's worth investing in. Because

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here's the truth. There's no shortage of stocks,

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funds, or hot financial tips. But what separates

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the wise from the overwhelmed is this, having

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a framework, a way to decide what aligns with

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your values, your goals, and your wisdom. We

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live in a world full of noise, headlines, social

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media clips, and celebrity investors. But hype

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doesn't build wealth. Strategy does. When we

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work with clients, we teach something called

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the 4P framework, a simple, powerful lens to

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evaluate any stock, fund, or investment opportunity.

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The 4Ps are these. Number one, purpose. What

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is the company's mission? What problems does

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it solve? Does it align with your values? Two,

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performance. How has this company or fund performed

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over the past one, five, or ten years? Has it

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grown consistently or is it down? Three, people.

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Who's in charge? What's the leadership track

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record? Is it ethical, forward -thinking, and

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stable? Price. Is the price of the stock or fund

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fair based on what its earnings are doing? We're

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going to look at metrics like P .E. ratio, 52

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week range and market cap. OK, let's say you're

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taking the challenge and you decide to start

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with Apple, one of the most well -known companies

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on the planet. Their ticker symbol is AAPL. So

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what are you really looking at? Let's walk it

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through the 4P framework. Purpose. Apple is all

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about innovation, simplicity, and creating tech

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that millions of people use every day. iPhones,

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Macs, AirPods. Chances you're probably holding

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one of their products right now as you're watching

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me. Two, performance. Over the past 10 years,

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Apple has delivered strong, consistent returns.

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It's grown through product launches, smart acquisitions,

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brand loyalty, and it's almost unmatched. Three,

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the people. The company is led by Tim Cook and

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a leadership team that has proven forward thinking

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and trusted by shareholders around the world.

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Four, its price. Sure, the stock moves up and

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down like any other stock, but behind that price

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is a business with real cash flow, global impact,

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and long -term investor confidence. Now, let's

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compare that to something broader, like an index

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fund. Let's take the Vanguard Total Stock Market

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ETF. Its ticker symbol is VTI. The purpose? This

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fund is built for diversification. It gives you

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ownership in thousands of U .S. companies, big,

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small, and everything in between. Two, its performance.

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It's tracked the overall U .S. economy, so when

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the country grows, your investment grows with

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it. Third, the people. It's managed by Vanguard,

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one of the most respected names in finance known

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for low cost and long -term discipline. And fourth,

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price. You're not betting on one company. You're

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spreading risk and gaining access to the entire

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market at a relatively low cost. Whether you

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invest in a company like Apple or in the whole

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market through something like that Vanguard VTI

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index, what matters most is that you understand

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what you own and why you own it. Now, here's

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something we don't talk about enough. Just because

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something is popular, it does not mean that it

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is profitable. or purposeful. As believers and

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builders, we don't just invest for returns. We

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invest with discernment. So when you're evaluating

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where to place your money, here are a few things

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to look for. There are some red flags, we'll

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call those the cons, and there are some green

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flags, we'll call those the pros. A red flag

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signs to pause and ask deeper questions, like

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number one. Sudden leadership exits. When CEOs

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and founders leave without clear succession,

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it often signals internal troubles. Number two,

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negative earnings quarter after quarter. If a

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company can't turn a profit over time, it's likely

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struggling. Last red flag, number three, a broken

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business model. If what they offer no longer

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solves a real -world problem, the market will

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move on, and so should you. Now, let's move on

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to the pros, the green lights, signs that an

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investment might be healthy and worth exploring.

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Number one, steady revenue growth, not hype,

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but consistent results. Number two, a strong

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dividend history. Proof that a company rewards

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its investors. And lastly, three, mission -driven

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innovation. Companies that aren't just making

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money, but making impact. The bottom line, your

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money should go to places that make sense financially

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and spiritually. Because real wealth isn't just

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about multiplying money. It's about assigning

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it with a specific purpose. Proverbs 4 and 7

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says this. Wisdom is the principal thing. Therefore,

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get wisdom. And in all you're getting, get understanding.

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God isn't anti -investment. He's anti -ignorance

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because he told us that people perish for what?

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Lack of knowledge. When you invest with wisdom.

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You're not just building wealth. You're modeling

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stewardship. So don't rush. Don't follow the

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crowd. Use the 4P framework to invest with clarity.

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Now, I have a challenge for you. Pick one company

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or fund this week. I want you to run it through

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that 4P framework we've just worked through.

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Purpose, performance, people, and price. Got

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it? Write down your notes. Would you invest?

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If so, why or why not? If you want help reviewing

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your portfolio or creating an investment plan

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rooted in kingdom values, schedule your consultation

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at josephwealthmanagement .com or call us 800

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-807 -2881. Remember, this is your time to invest,

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not just with your money, but with your mind.

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Let's build with insight and wisdom together.

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Welcome to our faith perspective. Before we close,

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I want to offer a biblical lens for how we evaluate

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our investments. Proverbs 4 and 7 tells us this.

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Wisdom is the principal thing. Therefore, get

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wisdom and in all you're getting, get understanding.

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Investing isn't just about what's trending. It's

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about using discernment, the kind of wisdom that

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looks beyond the surface. Every day, we're faced

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with choices, what to invest in, who to trust,

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how to measure risk. The world says, follow the

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hype. But the kingdom calls for us to examine

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purpose, performance, people, and price. That's

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why that 4P framework matters. It's not just

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a financial tool. It's a spiritual posture. It

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reminds us to lead with purpose, to study performance,

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to consider the fruits of people's leadership,

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and to measure value rightly. Because investing

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is about more than numbers. It's about alignment.

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It's about stewardship. It's about placing what

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God has entrusted to you into places that reflect

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his wisdom. So as you step into the market, don't

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chase profits, seek insight. Because when you

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invest with understanding, you plant seeds that

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can produce both financial and eternal returns.

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And that's good. I look forward to seeing you

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guys on our next episode. See you soon. The Faith

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and Finance podcast is intended for educational,

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informational, and entertainment purposes only.

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The views and opinions expressed by the hosts

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and guests are their own and do not necessarily

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reflect those of Joseph Wealth Management, Joseph

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Eden Capital, or any affiliated entities. Nothing

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shared on this podcast should be construed as

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personalized, financial, legal, tax, or investment

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advice. All investing carries risk, including

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the potential loss of principal. Listeners are

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strongly encouraged to consult with a licensed

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financial advisor or fiduciary who understands

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their unique circumstances before making any

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financial decisions. Joseph Wealth Management

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and Joseph Eden Capital are registered entities

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and operate in accordance with applicable regulatory

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guidelines. Business is conducted only in jurisdictions

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where they are duly licensed or exempt from registration.